
Frequently asked questions
We're always happy to answer questions you may have about your health insurance. Here's a selection of questions and answers that we've already helped our customers with.
Comprehensive covers eligible medical costs from diagnosis to treatment for acute conditions, cancer and mental health, for as long as they’re a Bupa member.
Treatment and care covers all their eligible treatment for acute conditions after a diagnosis by a consultant through the NHS or self funded, for as long as they’re a Bupa member.
With our full cancer cover, there are no limits on how long your clients treatment lasts or how much it costs. They must visit a hospital or health centre from their chosen network and a consultant that we recognise and charges within our allowances.
Before your client’s renewal we’ll send them a renewal pack which includes details of their new premium.
A ‘day-patient’ is when your client is admitted to hospital for treatment, but doesn’t need to stay overnight. An ‘inpatient’ is when your client attends hospital for treatment, and stays in hospital overnight or longer.
View our ‘what are outpatient benefit' allowances video>
With Bupa full cancer cover, there are no limits on how long treatment lasts or how much it costs, for as long as your client has Bupa health cover. Your client must use a hospital or health centre from their chosen Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant).
When we say full cancer cover it means your clients have no limit to how much they can claim for eligible treatment provided that they use a Bupa recognised consultant we have already agreed fees with (fee assured), within their chosen Bupa hospital network.
When we say full cancer cover it means your clients have no limit to how much they can claim for eligible treatment provided that they use a Bupa recognised consultant we have already agreed fees with (fee assured), within their chosen Bupa hospital network.
When we say full cancer cover it means your clients have no limit to how much they can claim for eligible treatment provided that they use a Bupa recognised consultant we have already agreed fees with (fee assured), within their chosen Bupa hospital network.
When we say full cancer cover it means your clients have no limit to how much they can claim for eligible treatment provided that they use a Bupa recognised consultant we have already agreed fees with (fee assured), within their chosen Bupa hospital network.
When we say full cancer cover it means your clients have no limit to how much they can claim for eligible treatment provided that they use a Bupa recognised consultant we have already agreed fees with (fee assured), within their chosen Bupa hospital network.
- their age, gender at birth and medical history
- whether they smoke
- their current state of health
- their occupation
With moratorium underwriting, we’ll ask your client and your client's GP to complete a pre-treatment form each time they claim so we can confirm that the condition they’re claiming for is new, or if they had it before they're policy started. If they, or anyone else on they're policy, had a medical condition before it starts, the condition may be covered, as long as they haven’t had any symptoms, treatment for it, or any medical advice about it for two consecutive years after they've taken out the policy.
The maximum number of levels your client can decrease at renewal is three.
The No Claims Discount only applies to premiums for their core health insurance. Claims they may make in relation to any add on's, dental Allowance, Digital GP, HealthLines or NHS Cash Benefit do not count as claims in the assessment of the no claims discount. In addition, claims we pay that fall entirely within any excess will not be counted.
No claims discount level |
Discount applied on premium |
---|---|
1 |
0% |
2 |
10% |
3 |
20% |
4 |
27.5% |
5 |
35% |
6 |
40% |
7 |
45% |
8 |
50% |
9 |
55% |
10 |
59% |
11 |
62% |
12 |
65% |
13 |
68% |
14 |
70% |
The No Claims Discount scale works as follows:
Claims payments made during the year before we calculate the premium for the next insurance year |
Movement on the scale at the next renewal date (subject to a maximum of level 14 and a minimum of level 1) |
---|---|
£0 paid |
Move up the scale by one level |
Between £0.01 - £300 paid |
Don’t move on scale |
Between £300.01 - £1200 paid |
Move down the scale by two levels |
More than £1200 paid |
Move down the scale by three levels |
Any claim that falls entirely within their excess will not impact their No Claims Discount level.
For more detail please refer to the No Claims Discount Information for Bupa By You insert.
Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ. ©Bupa 2024